ZIP 48630 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 distress scale, ZIP 48630 in Roscommon County, Michigan comes in at 26, a low composite-distress reading. The sharpest non-environmental signals are construction/permit lag (67/100), structural risk (59/100), institutional ownership (48/100). On the structural side it scores 59/100, with 0/100 of stress already active. Environmental exposure also runs high (flood (NFIP) exposure (72/100), FEMA disaster exposure (60/100)).

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, at 32/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Owners hold 100% of homes, renters 0%. Vacancy runs 79.9%, above the national norm and a classic distress-and-opportunity signal. Median household income is $71,518, near the U.S. median near $78,000. The ZIP holds roughly 194 housing units. About 62 people live here, median age 68. The demographic-stress sub-score lands at 63/100. Educational attainment sits at 0% bachelor's-or-above. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas.

On the whole, 48630 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 48630 is not published yet -- the ZIP-level readings above remain fully sourced.

The 48630 read uses the identical scoring model applied coast to coast, which means its 26/100 score means exactly what it means anywhere else, and 48630 stays directly comparable to neighboring ZIPs and the rest of Roscommon County, Michigan. Where the record is thin for 48630, the field stays empty rather than modeled, and fills in as new documents post.

Each component behind 48630 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 26/100 roll-up. The point of the 48630 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.